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ConsumerCreditCounseling4u and its secure website consumercreditcounseling4u.com
are committed to maintaining stringent policies regarding personal information
received on our clients behalf during and after our engagement. We want you to
understand the information we will collect about you and how we use this
information. The following provides detailed information on our information
gathering and dissemination practices. This policy is applicable to all
accounts serviced by ConsumerCreditCounseling4u and applies to all consumers
who are clients or have been clients in the past.
What Kinds of Information
In order to perform a meaningful analysis of the financial situation of any
prospective client, it is important to have accurate information about you.
Therefore, when you apply for our program we collect information from you. We
will collect information from you, including but not limited to your name,
address, social security number, income, expenses, assets and debt schedule. We
receive this information from you on our FREE Consultation Form, our statement
of financial condition, and our client information form. We may also receive
information about your credit history from third parties such as credit
reporting agencies or other creditors. In addition, we collect and maintain
information about your transactions with our affiliates, others, and us. This
information includes account balances, payment history, credit card usage, and
parties to transactions. In this policy, we refer to this information as
"private information."
We know that many of our visitors are trying to keep a low profile because of
financial crisis and that no one wants their information to end up in the hands
of collection agencies and creditors. ConsumerCreditCounseling4u, its staff and
affiliates are very stringent on privacy issues.
How We Use This Information
We will not disclose your private information, as described above, to any
organization, affiliated or non-affiliated, unless this disclosure:
(1) is necessary to effect, administer, or enforce a transaction, service, or
inquiry you have initiated. For example, we occasionally enter into agreements
with companies whose expertise is necessary to provide the service you have
requested. They include specialized firms for check printing, to execute
security transactions as well as provide data processing services;
(2) is necessary to perform marketing services on our behalf, so that we may
better understand your financial needs and determine how we can help you meet
those needs;
(3) is necessary to perform joint marketing services for services that might be
offered jointly with another institution, that we would offer to you directly;
and/or
(4) is necessary to facilitate or consummate our business transactions with
third parties. In these limited cases where information is shared with other
companies that perform services on our behalf or for joint marketing purposes,
the information provided is limited to the information they need to perform
their function. These companies are also required to maintain the security and
confidentiality of the information provided and use it only to perform the
specified service on our behalf.
(5) is to a third party to effect, administer, or facilitate debt reduction
services via other companies with whom we have joint marketing agreements.
Keeping Your Information Private
We take steps to safeguard customer information. We maintain physical,
electronic, and procedural safeguards that comply with federal standards to
guard your customer information against unauthorized access. We also take
appropriate corrective action when needed to enforce employee compliance with
our procedures with respect to the privacy of client information. We may also
ask you for personal information in order to verify your identity when you
request assistance from us. As previously mentioned, if we work with other
companies who provide services on our behalf or in the case of jointly offered
products, we require them to keep this information secure and confidential.
Privacy Online
Our system safeguards include the use of encryption to protect the
confidentiality of data that you transmit to us over the Internet. When you
visit one of our websites, we may collect and store information about your
visit on an anonymous, aggregate basis. This information may include
information such as the time and length of your visit, and the pages you looked
at on our site. No confidential information is collected from you online,
unless you have provided it to us. We use this information only to measure site
activity and to develop ideas for improving our sites. We strongly urge you to
use 128-bit encryption. Your level of encryption can be found for Internet
Explorer by clicking www.microsoft.com or in Netscape Communicator or Navigator
by clicking www.netscape.com. If you are using a browser other than Microsoft's
Internet Explorer or Netscape's Communicator or Navigator please check directly
with your browser's software publisher. Our free consultation form is 100%
secure using SSL technology.
Although we take all possible precautions to safeguard your information, you
should never send confidential information via e-mail. The e-mails you send are
not secure. Customers always have the option of mailing or calling us to
provide any information they wish to keep confidential.
Cookies
Cookies are pieces of data assigned by our web server and stored on your
computer's hard drive for later retrieval. This helps us recognize you the next
time you visit our site. We will not use cookies to record information that
will enable anyone to contact you via telephone, e-mail, or regular mail. We
may also use clear gifs. Clear gifs are used to tag the pages you visit on our
site to help us improve the design and content of our site. All of this
information is considered confidential and is only available for our use.
Privacy Resources
As a service to our clients we offer ways in which you can reduce the amount of
advertising you receive from other companies. Individuals can write to the
following agencies:
1. For advertising received through the mail:
Mail Preference Service
c/o Direct Marketing Association
P.O. Box 9008
Farmingdale, NY 11735-9008
2. For advertising received via the telephone:
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014
Please be sure to include complete information about each name, (first, middle
and last name including; Jr., Sr., III), and the address and telephone number
you would like excluded from these lists. Also include old addresses and
telephone numbers, if individuals have relocated within the last year. The same
is true for name changes and the addresses and telephone numbers associated
with each name.
You can also add your home phone and other phones to the
National Do Not Call Registry The National Do Not Call Registry gives
you a choice about whether to receive telemarketing calls at home. Most
telemarketers should not call your number once it has been on the registry for
three months. You can register your home or mobile phone for free.
Individuals can also have their name taken off pre-approved credit
solicitations, by calling 888-5-0PTOUT (888-567 -8688) or writing to the
following credit reporting agencies. Be sure to include name, (first, middle,
and last name including; Jr., Sr., III), current address, (previous address if
moved in the last six months), and Social Security number.
Experian
Consumers Opt-out
P.O. Box 919 701
Experian Parkway
Allen. TX 75103
Options Equifax, Inc.
P.O. Box 749123
1150 Lake Hearn Dr.
Atlanta, GA 30374-0123
Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328
If you have questions about this privacy policy notice please contact us at:
ConsumerCreditCounseling4u
12121 Wilshire Blvd. Suite #322
Los Angeles, CA, 90025
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