September 4, 2010
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Privacy Policy

Privacy Statement

At Christian Credit Counselors (CCC), we recognize that privacy is important to you, and we are committed to protecting the privacy of your personal information.  The following describes CCC's privacy practices.

 Collection of Information

We collect, retain and disclose certain personal information about you, and sometimes other members of your household, where it is necessary to provide you with the best services.  We collect non-public personal information about you in the following ways:

  • Through your applications or other forms;
  • Information we receive from or about you in the process of adjusting your debts, and providing you Debt Management and/or Credit Counseling Services;
  • From your creditors in the process of managing your debts and/or administering a debt management plan; and
  • Information we receive from or about you when contacting the credit reporting agencies on your behalf.

Such information may include, but is not limited to, identifying information such as your name, address and social security number; and financial information such as income, bank and credit account numbers and balances, payment history, and/or credit history.  Under certain circumstances, we may obtain health information related to illness, disability and/or injury.

 

Protection of Information

 

All personal information CCC collects will be securely stored in our offices, in either paper form maintained in locked filing cabinets, or in our secured client computer database.  Access to your non-public personal information is restricted to only those who need it to serve your debt management/adjustment needs and to maintain and improve customer service.  We maintain physical, electronic and procedural safeguards that comply with federal and state laws to safeguard your personal information.

 

 

Disclosure of Information

 

Christian Credit Counselors does not usually disclose your non-public information without your consent.  However, we may disclose information about you for our everyday business purposes, for example, to process your transactions, maintain your account, and respond to court orders or other legal investigations.  Please note, your personal information may continue to be disclosed as described in this section after you are no longer receiving services from CCC.  The following are the most common disclosures:

  • To State Financial, Banking, Consumer Protection, or other Departments;
  • To the Internal Revenue Service;
  • To Certification and Accreditation Agencies that govern our business
  • To our auditing/accounting firm for accounting, tax and other legal purposes; and
  • To any other third party, as permitted or required by law.

 

Your Right to Access and Correct Information

 

Upon written request, we will send you a copy of relevant information we have.  Please send your request to:

 

Christian Credit Counselors

P.O. Box 131688

Carlsbad, CA  92013

 

If you feel that our information is incorrect, please let us know and we will review it and make the necessary corrections or respond to you accordingly.

 

Cookies

 

A cookie is a piece of data stored on the visitor's hard drive containing information about the visitor.  Advertisers connected to Christian Credit Counselors Inc. at times require cookies to track statistics about products and locations, but at no time are these linked to any personal identification.  At this time, Christian Credit Counselors Inc. uses cookies only for login convenience. 

 

Log Files

 

Christian Credit Counselors Inc. keeps log files on broad fields to analyze trends, track user movements, and gather data for demographic locations. This is not attached in anyway to visitor's personal identification. 

Sharing

At this time, Christian Credit Counselors Inc. does not share any information with advertisers, merchants, or any other third party. 

Links

Links to other sites outside of Christian Credit Counselors Inc. do not apply to this privacy statement. We are not responsible for privacy policies of other websites linked to Christian Credit Counselors Inc.. Please read the privacy statement of each website linked to Christian Credit Counselors Inc. for information and data use for visitor's personal identification. Our privacy statement applies solely to Christian Credit Counselors Inc.. 

Sending to a Friend

When a visitor chooses to send News, Articles, Reviews, etc., to a friend, the names and e-mail addresses are not logged. Christian Credit Counselors Inc. will send the friend a one-time e-mail inviting them to visit our site.  Christian Credit Counselors Inc. will never send another e-mail to the visitor or friend for any purpose. 

Changes of our Policy

If and when our policy statement changes, visitors with Memberships in our databases will be notified of the changes, and provided a link to this page to view the changes.  If a visitor decides that our policy does not benefit them, they can use the opt-out option at anytime.  If you have any questions or comments, please contact us.