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April Lewis-Parks
Director of Education and Public Relations
[email protected]
1-800-728-3632 x 9344
The information in this privacy statement applies only to this website.
We at Consolidated Credit (“Consolidated”) respect your right to privacy. We understand that maintaining the confidentiality of your financial situation is important to you. We want you to understand what information we gather about you, how we use it, and the safeguards we have in place to protect it. We also want you to understand that in connection with a request for our assistance, you may ask us to intervene with your creditors on your behalf, and that the sharing of certain non-public information with them is a necessary part of the credit counseling process.
The following discloses the information gathering and dissemination practices for this web site. Information Automatically Logged:
IP Address – We Use Your IP Address For Other Purposes
IP addresses are automatically logged and the domain name which you are using at the time of entry is also logged to a file. This information is stored purely as a means of viewing web site hits and traffic. This information is not given to any third parties for any reason and is eradicated from our database on a regular basis. IP addresses are not used for any purpose other than those stated here.
Cookies – Our Site Uses Cookies For Other Purposes
Cookies are used as a means of identifying repeat visitors. Changing your web browser’s setup to “reject” cookies does not prevent a user from visiting any portion of this website.
Our Principles for Privacy Protection
Our site’s registration and Online forms require users to give us contact information (like their name, email, or postal address). Due to the nature of this web site, financial information is also requested on a voluntary basis from the visitor. Consolidated does not share your financial information with any non-affiliated third parties other than those who help us in providing assistance to you, and they are required to maintain it in strict confidence. We do not rent or sell your personal financial information to any outside marketer. We maintain security practices and procedures designed to ensure the security, integrity, and confidentiality of your personal financial information. We educate our employees about safeguarding client information and preventing unauthorized access, disclosure or use, while limiting employee access to client information to those who need it to assist you.
Off-Line/Email Data Collection ConsolidatedCredit.org only collects a limited amount of financial information from consumers on their online forms. However, during the credit counseling session which is done through face-to-face conversations, telephone calls, and e-mail communications, additional information may be requested.
What information do we collect?
We collect non-public personal information about you from the following sources:
What information do we disclose?
We may disclose the following kinds of non-public personal information about you in the course of providing credit counseling services on your behalf:
To whom do we disclose information?
We do not disclose any non-public personal information about our clients, or former clients to anyone, except as noted below, in response to a court order, when required by law or when we believe, in good faith, disclosure is required by law or to enforce our terms and conditions or other agreements and polices. We may disclose non-public personal information about you to your financial service provider creditors such as banks, saving and loans, credit unions, mortgage bankers, finance companies, and credit card issuers. For the purpose of fulfilling our mission and providing you with certain services and to process your requests and payments, we may disclose your personal information to one or more service providers or other third parties who are assisting us in performing such services. Without limiting the foregoing, these third parties may provide us with data management, payment processing, and similar services. Additionally, in the event that you fail to complete a program you enroll in, information may be referred to a servicing agent to contact you to provide additional financial services that you may want to consider.
How do we protect information?
Only those employees or servicing agents obligated to maintain the confidentiality of information who might need to know non-public personal information in order to provide assistance to you have access to such information.
External Links
This site contains links to other sites. Consolidated is not responsible for the privacy practices or the content of such websites. The contents of such websites are unknown and in no event, should you assume that Consolidated condones, approves of, or recommends the content of any website that is linked from the Consolidated pages or any other pages of this website. Complaints about the content of any linked site from the Consolidated pages should be directed to the owner of that site and not Consolidated.
Security
This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Information, if any, submitted for use by visitors is kept strictly confidential. Only the information visitors provide and authorized by the visitor is used for the purpose it was submitted.
Short Message Service
Consolidated Credit may make available a service through which you can receive financial advice on your wireless device via short message service (“SMS Service”). 1 message is sent per week. Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. Consolidated Credit will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. Consolidated Credit may also obtain the date, time and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enables phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.
By joining our subscription program, you authorize Consolidated Credit to send you autodialed marketing text messages at the mobile number provided. Consent isn’t required to purchase goods or services.
You may opt out of receiving messages to your mobile device at any time by notifying us. You may remove your information by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive or by going to Members of Consolidated Credit.
We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit https://www.verizonmedia.com/policies/us/en/verizonmedia/privacy/controls/index.html to learn how to opt out of this service.
Data Quality/Access
This site gives users the following options for changing and modifying information previously provided. You can go to Members of Consolidated Credit to submit your request. Opt-Out Policy, Your Newsletter and Email SubscriptionsYou can opt-out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at unsubscribe or by replying to an existing email with your request to be removed from the mailing list or click here.
Questions or Corrections?
If you have any question about our privacy policy and practices, please contact us at (954) 484-3328 or contact us at our: counselor email. If you want to correct any personal information in our files, please submit a written request to us. Thank you for choosing Consolidated to assist you in restoring your financial wellbeing.
Licensing
Licensed by the Vermont Department of Banking, Insurance, Securities and Healthcare Administration. Licensed by the New York State Banking Department, 5701 W. Sunrise Blvd., Ft. Lauderdale, FL 33313
The Commissioner of Financial Regulation for the State of Maryland will accept questions and complaints from Maryland residents regarding Consolidated Credit, license # 14-92 at 500 North Calvert Street, Suite 402, Baltimore, MD 21202-3651 or toll free at 1-888-784-0136.
Licensed by the Michigan Department of Insurance and Financial Services (Lic. #0018202)
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
1-877-999-6442
The Michigan Debt Management Act requires that the following provisions of the Act be prominently displayed in our office:
451.423 Initial fee; consent of creditor; presumption.
Sec. 13.
451.424 Contract between licensee and debtor; requirements.
Sec. 14.451.428 Fee under debt management plan; purchase of credit reports or educational materials and products; charge for cancellation or default; when contract effective; cancellation of contract; excessive charge.
Sec. 18.Oregon Registration #DM-80092
Kansas - KS CSO.0019051
Indiana - We do not lend money.
Licensed by the Virginia State Corporation Commission- License #DC-83
Revised Privacy Policies
Please note that we reserve the right to change or modify our privacy practices that are described above from time to time simply by posting a revised Privacy Policy on our Website www.consolidatedcredit.org. Any such change shall be effective immediately upon posting of the revised Privacy Policy on the Website. The revised Privacy Policy shall be effective for information we already have about you, as well as any information we receive in the future. You should refer to this Privacy Policy on an ongoing basis so that you are aware of our current privacy practices.
Last updated: January 2019.
The Web Site consolidatedcredit.org is comprised of various Web pages operated by Consolidated Credit (Consolidated).
The Consolidated Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Consolidated Web Site constitutes your agreement to all such terms, conditions, and notices.
Consolidated reserves the right to change the terms, conditions, and notices under which the Consolidated Web Site is offered, including but not limited to the charges associated with the use of the Consolidated Web Site.
The Consolidated Web Site may contain links to other Web Sites (“Linked Sites”). The Linked Sites are not under the control of Consolidated and Consolidated is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Consolidated is not responsible for webcasting or any other form of transmission received from any Linked Site. Consolidated is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Consolidated of the site or any association with its operators.
As a condition of your use of the Consolidated Web Site, you warrant to Consolidated that you will not use the Consolidated Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Consolidated Web Site in any manner which could damage, disable, overburden, or impair the Consolidated Web Site or interfere with any other party’s use and enjoyment of the Consolidated Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Consolidated Web Sites.
The Consolidated Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
Consolidated has no obligation to monitor the Communication Services. However, Consolidated reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Consolidated reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Consolidated reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, is Consolidated’s sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Consolidated does not control or endorse the content, messages or information found in any Communication Service and, therefore, Consolidated specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Consolidated spokespersons, and their views do not necessarily reflect those of Consolidated.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
Consolidated does not claim ownership of the materials you provide to Consolidated (including feedback and suggestions) or post, upload, input or submit to any Consolidated Web Site or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Consolidated, its affiliated companies and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. Consolidated is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at Consolidated’s sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
a) Mobile Devices
By subscribing to Consolidated you consent to receive electronic communications from Consolidated in electronic form, via email, Short Message Service (“SMS Service”) or wireless internet (“WAP Service”) and may be sent via automatic telephone dialing systems which may use pre-recorded messages. If you designate to receive electronic communications via your mobile device, you agree to receive messages delivered via the Site to that device and understand your carrier’s standard rates apply to any messages sent from Consolidated. You represent you are the owner or authorized user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving messages to your mobile device at any time by notifying us. You may remove your information by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive or by going to https://members.consolidatedcredit.org. You may also call 8882447181 for support.
You may also click the “Opt-out” link on the bottom of the email to unsubscribe to email correspondence. Only United States residents may use the SMS or WAP Service.
b) Data Security
SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. Consolidated do not guarantee your use of the SMS or WAP Services will be private or secure, and Consolidated will not be liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures appropriate to your situation and intended use of the SMS or WAP Service. You acknowledge and agree Consolidated may access the content of your account and the wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE CONSOLIDATED WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CONSOLIDATED AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CONSOLIDATED WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE CONSOLIDATED WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
CONSOLIDATED AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE CONSOLIDATED WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. CONSOLIDATED AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CONSOLIDATED AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE CONSOLIDATED WEB SITE, WITH THE DELAY OR INABILITY TO USE THE CONSOLIDATED WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE CONSOLIDATED WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE CONSOLIDATED WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF CONSOLIDATED OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE CONSOLIDATED WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE CONSOLIDATED WEB SITE.
SERVICE CONTACT: [email protected]
Consolidated reserves the right, in its sole discretion, to terminate your access to the Consolidated Web Site and the related services or any portion thereof at any time, without notice. GENERAL. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Florida, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Broward County, Florida, U.S.A. in all disputes arising out of or relating to the use of the Consolidated Web Site. Use of the Consolidated Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Consolidated as a result of this agreement or use of the Consolidated Web Site. Consolidated’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Consolidated’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Consolidated Web Site or information provided to or gathered by Consolidated with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Consolidated with respect to the Consolidated Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Consolidated with respect to the Consolidated Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.
Consolidated, and the Consolidated logo are trademarks, trade names or service marks of Consolidated, LLC or its related companies. All other trademarks and service marks are the property of their respective owners. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of Consolidated or the owner of such trademark or service mark.
The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.
In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) (“DMCA”), Consolidated will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:
Consolidated’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:
Designated Agent – Copyright Infringement Claims
Consolidated Credit
5701 W. Sunrise Blvd.
Plantation, FL 33313
Email: [email protected]