Important Privacy Information
Privacy Policy Statement
The following is an important notice concerning the privacy
of your personal information.
We are providing this Privacy
Notice on behalf of Community Credit Counseling Corp. By
law we have the right to modify this policy at any time,
but if we do change it, we will notify you in advance. Under
applicable laws and regulations, we are required to send
you our privacy notice on an annual basis.
Community Credit
Counseling Corp. respects the privacy of its clients and
of individuals and/or their families who have contacted us
for assistance. All information shared by individuals both
orally and in writing will be managed within legal and ethical
guidelines. Keeping client information secure, and using
it only for client needs, is a top priority for Community
Credit Counseling Corp.
Your personal financial information,
including, but not limited to, total debt information, income,
living expenses, account information and other relevant information
concerning your circumstances will be provided to creditors,
organizations that shall use the information to service your
account with us and possibly others who may assist you.
We
may also use your client file information for the purposes
of evaluating our services, compiling research information
and creating future educational and debt management service
programs. Your anonymity will be maintained through the use
of your client account number or by using aggregate data
in all circumstances.
In all other situations, your information
may be released to appropriate individuals or agencies for
circumstances related to servicing your account or when our
organization has been served with a valid legal 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 clients or former clients to anyone, except as
permitted by law.
- We may compile data and aggregate
information that you provide to us or that your creditors
provide to us, but this information may not be disclosed
in a manner that would personally identify you, except
when relevant to managing your accounts. CCCCPP-001 Revision
B Revised 1/14/05
- We may disclose some or all of the
information that we collect, as described by law, to creditors
or third parties that need this information in order to
assist you after you have been initially counseled.
- We may disclose all of the information that we collect,
as described herein, to creditors and related financial
institutions that need this information to place you on
a debt management program or to administer your debt management
plan.
- Our staff is educated on the importance of maintaining
the confidentiality of client information. We restrict
access to nonpublic personal information about you to those
employees or professional advisors who need to know that
information to provide services to you. All employees dealing
with this information must first sign a confidentiality
agreement, ensuring that your information will be used
only for the designated purpose to assist you in your financial
needs and to respond to your requests. 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 receive from
you on our applications, contractual forms, surveys
or other forms you or your creditors provide;
- Information
about your transactions with us, your creditors or
other; and
- Information we receive from credit reporting
agencies.
- We may disclose the following kinds of nonpublic personal
information about you:
- Information we receive from you
on applications or other forms, including, but not
limited to, 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; and
- Information we receive from
a Credit Reporting Agency, such as your credit history.
If you need intervention
on your behalf with creditors through our credit counseling
program or a similar program, we will obtain your express
consent to disclose to creditors nonpublic personal information
about you. Your signature on the financial data authorization
to release grants us this permission. We will not be able
to assist you with a debt management program if you do not
provide us your consent to share information with your creditors.
As permitted by law, we may disclose your nonpublic personal
information such as your name, mailing address and telephone
number to nonaffiliated third parties in an effort to offer
you assistance in other areas. We disclose such information
to non-affiliated third parties. Should you prefer that we
do not disclose nonpublic personal information about you
to nonaffiliated third parties, you may opt out of those
disclosures. If you wish to opt out of the disclosures to
nonaffiliated third parties, or if you have questions about
our privacy policy, you may contact us at (800) 663-4416
or at .
So long as you have not opted-out, we may disclose some or all
of the information that we collect, as described above, to your
creditors or third parties that we have determined would be helpful
to you or would aid us in counseling and assisting you.
It is
our policy that the recipients of any of your information shall
protect the information and use it only for the purpose provided.
Community Credit Counseling Corp. is a Licensed Debt Management Service Provider.
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