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PRIVACY NOTICE AND SECURITY POLICY

The National Foundation for Credit Counseling ("NFCC®," "we," or "us") is committed to assuring the privacy of individuals and/or families ("you" or "your") who have contacted us for assistance. We realize that the concerns you bring to us are highly personal in nature. We assure you that all information shared orally, in writing, and online through our National Counseling Locator Service ("NCLS"TM) or any of the NFCC®'s other websites will be managed within legal and ethical considerations and in accordance with the policies described herein

FACTS WHAT DOES NFCC® DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect can include:
  • Social Security number, income, assets, and liabilities
  • Account balances and transaction history
  • Credit history and payment history
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons NFCC® chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does NFCC® Share? Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes - information about your transactions and experiences. Yes No
For our affiliates' everyday business purposes - information about your creditworthiness No We don't share
For our affiliates to market to you - No We don't share
Questions?   Call (202) 677-4300 or go to http://www.nfcc.org/privacy_policy.cfm


What we do
How does NFCC® protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include computer safeguards and secured files and buildings.
How does NFCC® collect my personal information? We collect your personal information, for example, when you:
  • give us your income, account balances, credit history, employment information, or contact information;
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only:
  • sharing for af?liates' everyday business purposes-information about your creditworthiness
  • af?liates from using your information to market to you
  • sharing for nonaf?liates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for information on your rights under certain State laws.


Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • NFCC® has no affiliates
Non affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Non affiliates we share with can include your financial service providers or creditors; Member Agencies; the administrators, intermediaries, or other entities that fund and manage grants; and NFCC®'s service providers, agents, or representatives.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include Member Agencies.
Other Important Information
INFORMATION FOR RESIDENTS OF VERMONT, NEVADA & CALIFORNIA
  • Vermont. NFCC® will not share Personal Information we collect on Vermont residents with affiliates or entities outside NFCC® except with their written authorization.
  • Nevada. Nevada law requires that we also provide you with the following contact information:
      Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Telephone Number - (702) 486 3132; Electronic Mail - bcpinfo@ag.state.nv.us.

      National Foundation for Credit Counseling,2000 M Street, NW, Suite 505, Washington, DC 20036; Telephone Number - (202) 677-4300; Electronic Mail - privacy@nfcc.org.
  • California. California law requires us to provide a separate notice to California residents. That notice is available at http://www.nfcc.org/california_privacy_policy.cfm


SECURITY POLICY

The National Foundation for Credit Counseling ("NFCC®," "we," or "us") National Counseling Locator Service ("NCLSTM) or any of the NFCC®'s other websites use extensive and sophisticated secure technology to protect your data and transmissions between you, the NCLSTM, Member Agencies, counselors, and creditors. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. Transmissions between the NCLSTM and participating Member Agencies, counselors, and creditors are encrypted using public key cryptography algorithms with a minimum key size of 128 bits. Our database is physically separated from our web server and is protected by a physical firewall.

Although NFCC® has taken these reasonable and appropriate measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, NFCC® cannot and does not guarantee that the personal information you provide, or that Member Agencies or creditors provide about you, through the NCLSTM will not be intercepted by others and decrypted.

Additionally, be attentive to the following situations to ensure your confidentiality is not compromised:
  • if someone else has access to your computer, and is able to read email or files stored on your disk
  • if you print email on paper, and someone finds the paper
  • if you use a workplace computer - your employer has a legal right to read your email on that machine
  • if you accidentally make a mistake on the email address
  • if someone obtains the password to your email account
  • if you talk about it to someone

DISCLAIMERS AND LIMITATIONS

NFCC® intends that the information contained in its web site to be accurate and reliable; however, errors may occur. In addition, changes and improvements to the information provided herein may be made by us at any time.

By using this web site, you agree to our Privacy Notice and Security Policy and to the use of the information we receive and collect as stated herein and in ways we may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. We reserve the right at our discretion to modify this Privacy Notice and Security Policy at any time. Your continued use of this site following the posting of changes to these terms means you accept these changes.

THIS WEB SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". NFCC®, NCLSTM AND/OR ITS SUPPLIERS, PARTICIPATING MEMBER AGENCIES AND THEIR COUNSELORS, DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEB SITE AND ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. USE OF THIS WEB SITE AND/OR NFCC'S SERVICES IS AT YOUR OWN RISK. NFCC® AND/OR ITS SUPPLIERS, NCLSTM, ITS MEMBER AGENCIES AND THEIR PARTICIPATING COUNSELORS, OR REAL ESTATE PROFESSIONALS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEB SITE AND/OR NFCC®'S AND ITS MEMBER AGENCIES AND THEIR PARTICIPATING COUNSELORS' SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF NCLSTM AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

LINKS TO THIRD PARTIES

This web site may contain links to web sites maintained by third parties. Such links are provided for your convenience and reference only. NFCC® does not operate or control in any respect any information, software, products or services available on such web sites. NFCC®'s inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

HOW TO CONTACT US

If you have any questions about this Policy, contact us by email or telephone:
Privacy Officer
National Foundation for Credit Counseling
2000 M Street, NW, Suite 505
Washington, DC 20036
Telephone: (202) 677- 4300
privacy@nfcc.org



Last Updated on: June 28, 2011
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