Privacy Policy

In compliance with the Gramm-Leach Bliley Act ("GLB"), Public Law 106-102 (1999). This notice contains the privacy policy of Consumer Credit Counseling Foundation, Inc. The GLB Act was enacted to provide greater protection for an individuals private information. This notice is meant to provide you with information regarding how we, as a nonprofit credit counseling agency, use your personal information and what your rights are with regard to your non-public personal information. In order to provide you with our services, we collect certain non-public information. We are committed to maintianing the privacy of this information in accordance with the law. All employees of our company with access to personal information about customers are required to follow this policy. Our privacy policy applies to all personally identifiable non-public information about you that is obtained in connection with providing you with our services.

FACTS

Why?

What?

How?

WHAT DOES CONSUMER CREDIT COUNSELING FOUNDATION, INC.
("CCCF") DO WITH YOUR PERSONAL INFORMATION

Financial companies choose how they share your personal information Federal law gives consumers the nght 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.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income
account balances and payment history
Credit history and credit scores

Financial companies choose how they share your personal information Federal law gives consumers the nght 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.

Reasons we can share your business information

Does CCCF 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

For joint marketing with other financial companies

No

N/A

For our affiliates' everyday business purposes - information about your transactions and experiences

No

For our affiliates' everyday business purposes - information about your creditworthiness

No

N/A

For nonaffiliates to market to you

No

N/A

Who we are

Who is providing this notice?

Consumer Credit Counseling Foundation, Inc.

What we do

How does CCCF protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does CCCF collect my personal information?

We collect your personal information, for example, when you
Open an account or provide account information
seek financial aclvice or provide contact information
provide income and other personal financial information We also collect your information from other companies

Why can't I limit all sharing?

Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes; information about your creditworthiness; affiliates from using your information to market to you; sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your preference will automatically be applied to everyone listed on your account, unless otherwise indicated by you.

Definitions

Affiliates

Nonaffiliates

Joint marketing

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Companies not related by common ownership or control They can be financial and nonfinancial companies.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.