We use your personal information primarily for the following purposes:
We may share or disclose your personal information in the following instances:
(i) To fulfill a service to you. For example, if you are seeking credit counseling and complete one of our online forms, we may share your personal information with a local NFCC member agency. In addition, if you email us a question, we may use your email address to process your request and respond to your question. When we share your information with these parties, we seek to ensure that the party with whom we share the information will maintain it securely and in accordance with the applicable laws.
(ii) To affiliates, strategic partners, agents, third-party marketers or other unaffiliated parties for research purposes.
(iii) To unaffiliated third-party service providers, agents, or independent contractors who help us maintain our Site and/or provide other administrative services to us (including, but not limited to, order processing and fulfillment, providing customer service, maintaining and analyzing data, sending customer communications on NFCC’s behalf, and entry collection, winner selection and prize fulfillment for contests, sweepstakes and other promotions). We seek to ensure that these unaffiliated third parties will not use the personal information for any other purpose than to provide the administrative services for which they are responsible. Because such unaffiliated third-party service providers will have access to users’ personal information, if you do not wish for our unaffiliated third-party service providers to have access to your information, please do not register or submit any personal information to us.
(iv) To comply with the law or in the good faith belief that such action is necessary in order to conform to the requirements of law or comply with legal process served on us, protect and defend our rights or property, including the rights and property of NFCC, or act in urgent circumstances to protect the personal safety of our end users.
(v) To third parties as part of any corporate reorganization process including, but not limited to, mergers, acquisitions, and sales of all or substantially all of our assets.
(vi) To track and analyze non-identifying and aggregate usage and volume statistical information from our visitors and customers.
We use non-personal information in the manner disclosed above, in Section A(2). We may share this non-personal information with third parties, and we also may combine it with personal information in some instances.
We may send you communications or data regarding our services, including but not limited to (i) notices about your use of the Site, including any notices concerning violations of use, (ii) updates, and (iii) information or materials regarding transactions, products and/or services purchased or selected by you. By using and/or registering with NFCC and/or the Site, you agree to receive this type of communication from us. To remove yourself from our email list, please email email@example.com.
Note however, that some email messages may be more commercial in nature, as they may advertise a feature of our Site or services, a product or service we believe that you may be interested in, or otherwise discuss a marketing campaign or promotion offered by NFCC. We give you the opportunity to opt-out of receiving these commercial emails from us by following the opt-out instructions provided in the message.
Please note that any information that you post to or submit through the Site, whether as a comment, blog post, in a public forum, or in any other public posting area, is available to anyone with Internet access. If you do not want people to know your e-mail address, for example, don’t include it in any message you post publicly. PLEASE BE EXTREMELY CAREFUL WHEN DISCLOSING ANY INFORMATION IN COMMENTS, FORUMS AND OTHER PUBLIC POSTING AREAS. WE ARE NOT RESPONSIBLE FOR THE USE BY OTHERS OF THE INFORMATION THAT YOU DISCLOSE IN THESE PUBLIC POSTING AREAS.
The Site may contain links to other web sites. We are not responsible for the privacy practices or the content of these other web sites.
In the event that all or part of our assets are sold or acquired by another party, or in the event of a merger, you grant us the right to assign the personal and non-personal information that we collected from you.
No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you understand that any information that you transfer to NFCC is done at your own risk.
Once we receive your transmission, we make reasonable efforts to ensure security on our systems. We use firewalls to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software.
If we learn of a security systems breach we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Site or providing personal information to us you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of our services. We may post a notice on our Site if a security breach occurs. We may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.
The NFCC’s services and the Site is not targeted to children under the age of 13, and we do not knowingly collect personally identifiable information from any child under the age of 13 without parental consent. If we become aware that such data has been collected, we will delete it.
NFCC intends that the information contained in the 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 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 SITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS”. NFCC, MYMONEYCHECKUP, NCLS 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 SITE AND/OR NFCC’S SERVICES IS AT YOUR OWN RISK. NFCC AND/OR ITS SUPPLIERS, NCLS, 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 SITE AND/OR NFCC’S AND ITS MEMBER AGENCIES AND THEIR PARTICIPATING COUNSELORS’ SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF NFCC 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.
YOUR CALIFORNIA PRIVACY RIGHTS
Beginning on January 1, 2005, California Civil Code Section 1798.83 permits our visitors who are California residents to request certain information regarding NFCC’s disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us:
National Foundation for Credit Counseling
2000 M Street, NW, Suite 505
Washington, DC 20036
Telephone: (202) 677- 4300