In connection with a request for our credit counseling services, you may be required to provide us with certain non-public personal identifiable information (“PII”) and non-public personal financial information (“PFI”). As part of this process you understand and agree that it may be necessary to share certain PII and PFI with your creditors as part of the credit counseling services. Consolidated does not share your PII and PFI 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 sell your PII or PFI to any outside marketer. We maintain practices and procedures designed to ensure the security, integrity, and confidentiality of your PII and PFI. Some these practices and procedures include: (i) requiring all of our employees to execute non-disclosure and confidentiality agreements; (ii) we educate and train our employees about safeguarding client PII and PFI in order to prevent unauthorized access, disclosure, or use; (iii) we limit employee access to client PII and PFI to those preforming necessary functions in assisting clients, such as yourself, during the credit counseling process. We may collect other Information which is defined as any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, aggregated and de-identified data.
We may collect non-public PII and PFI about you from the following sources:
Who has access to your information? All our employees and service agents are required to maintain confidentiality of any PII or PFI that they are given access to as part of their employment. Despite all of our employees and service agents having an obligation to maintain private your PII and PFI, not all employees or servicing agents are given access to your PII or PFI. Only those employees or servicing agents who might need to know your non-public PII or PFI in order to provide you with assistance during the credit consolidation process have access to such information.
Where is the information stored? All PII and PFI is stored on secured servers, which are constantly updated with the latest security protocols. We may also process and store your personally identifiable information on a server located outside of your jurisdiction. By providing your Personally Identifiable Information to us, you consent to the transfer of your information across national boundaries. If you do not consent to such transfer as well as the processing and storage of your personally identifiable information outside your jurisdiction, you should not provide such information to us.
In the course of the credit counseling process, and in order to assist you with your financial situation, we may be required to disclose certain PII and/or PFI on your behalf, including:
We may disclose non-public PII or PFI about you to your financial service provider such as banks, creditors, 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 PII or PFI to one or more service providers or other third parties who are assisting us in performing such services, all of which are required to maintain such information private. 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.
We also share non-personally identifiable information about our user base with our advertising affiliates who drive traffic to our website to help them identify and target our ideal customer.
You also understand that we may be required to disclose certain PII or PFI in response to a subpoena or court order, or when required by law or when we in good faith believe disclosure is required by law, or to enforce our agreement with the client, and any other terms and conditions or polices.
In addition, should we be unable to assist you we may, with your permission, transfer/transmit any data collected during your session with our counselors to another third party service provider, which may be able to provide you with certain debt relief services.
We may use non-public PII or PFI for the following purposes:
Some states have allowed consumer to request that any PII belonging to them be deleted. You understand that because Consolidated is required to maintain files for a certain period of time, it cannot upon request delete PII belonging to the client, which must be maintained by Consolidated to comply with regulatory requirements.
Websites, by their nature, collect certain information automatically from the users interacting with them. Consolidated Website is no different. In addition to any PII that users may provide through our website (e.g. name, address, phone number, basic financial information (if applicable), etc.), our website collects certain information automatically.
IP Address – An IP address is a unique address associated with your device or network. IP addresses are automatically logged along with the domain name which you are using at the time accessing our website. This information is logged and stored by Consolidated purely as a means of viewing website hits and traffic. This information is not given to, or shared with any third parties for any reason and is erased from our database on a regular basis. Your IP addresses are not used for any purpose other than those stated here.
Other technologies including pixel tags, web beacons, and clear GIFs – These may be used in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our Site. Please see our Advertising section below for more information regarding our use of other technologies.
Flash objects – As part of our solutions for online authentication, we use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Site. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. We do not use Flash objects for any online behavioral advertising purpose. Deleting cookies does not delete Flash objects. You can learn more about Flash objects – including how to control and disable them – through the Adobe interface. If you choose to disable Flash objects from our Site, then you may not be able to access and use all or part of the Site or benefit from the information and services offered.
Third party widgets – We may allow certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Sites where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below.
Retargeting – As you browse consolidated credit, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partners, enable us to present you with retargeting advertising on other sites based on your previous interaction with consolidated credit. The techniques our partners employ do not collect personal information such as your name, email address, postal address or telephone number.
External Links – An external link is a link located on a website that links out to other website. Consolidated website may contain external links. While the link may appear on our website, you understand that should you click on the external link and be directed to another site, Consolidated credit will not be responsible for the privacy practices of those external websites or the content in these sites. The existence of external links does not mean that Consolidated approves, recommends, or condones the content of any linked website to the Consolidated website. Complaints about the content of any linked web pages should be directed to the owner of that site and not Consolidated. You should review any third party links’ website privacy and security policies and other terms and conditions, as they may be different from those of our Sites.
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 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! visit https://www.verizonmedia.com/policies/us/en/verizonmedia/privacy/controls/index.html to learn how to opt out of this service. In addition,
Member Portal – The Member Portal is a useful tool for our members who have enrolled in Consolidated’s debt management program. Members may choose to register into our portal which contain specific member information and allows the member to: (i) update personal details; (ii) access member’s accounts and manage the member’s creditor account information; (iii) track upcoming payments due on your account; and (iv) communicate with our customer service specialists. In order to register to the Member Portal you will need to register a Username and Password. This username and password is unique to you. DO NOT SHARE IT WITH ANYONE, UNLESS YOU SPECIFICALLY AGREE TO PROVIDE THEM WITH ACCESS TO YOUR ACCOUNT. Consolidated will not be responsible for unauthorized access by those whom you shared your account information with as it cannot validate that it was not you who accessed it. If you are logging into member portal from a public computer, or through a public wifi. Such connections may not be secured and may expose your financial information to others. If you choose to maintain your information private do not log in using public access points. If you believe you were subject to unauthorized use and your password has been breached, please reset your password immediately and let us know if there are unauthorized changes on your account. If you fail to let us know of any unauthorized action, we will presume you made and authorized the changes in your account. If you forget your password, you may use the Forget Password tool to retrieve or replace your password.
The Site is not directed to individuals under the age of sixteen (16), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that Consolidated has received information from a minor or other person who is not a majority age in their relevant jurisdiction, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.
Consolidated may make available a service through which you can receive financial guidance and account notification on your wireless device using short message service (“SMS Service”). One (1) message is sent per week. Consolidated collects certain data from you in connection with this SMS service which may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages.
To use this service you must be at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received. By agreeing to our SMS Service, you acknowledge that you are at least 18 years old, that you are either the owner or authorized user of the wireless devise, and that you understand and agree that this service may be subject to an additional fee (if applicable). 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 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.
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 SMS Service subscription program, you authorize Consolidated to send you autodialed marketing text messages at the mobile number provided. 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.
When you provide your e-mail address on any form or as part of any request for information, you will be automatically enrolled in our e-mail newsletter, and agree to receive email communications. You can opt-out or unsubscribe from our newsletter or other e-mail list at any time by following the instructions at the end of the newsletter or e-mail you receive. Please allow at least ten (10) business days for changes to take effect. You understand that until the opt-out takes effect you may still receive some electronic communications or newsletters. Client service-related communications are an integral part of the services which you receive from us, and you may continue to receive such service-related emails even if you opt out of the newsletters or email list. If you have provided more than one e-mail 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.