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This
privacy statement explains what information is collected
on the DebtGuru.com®/American Credit Foundation® site,
how the information is used, and who has access to it.
If you are younger than 16 you must get permission from
your parents or legal guardian to provide your name or any information
about yourself in this Web site.
DebtGuru.com®/American Credit Foundation® does not
collect any personally identifying information from this
site without the knowledge and consent of the individual
concerned. Such information is collected only through
voluntary online questionnaires on the DebtGuru.com®/American Credit Foundation® site.
We want your information (including Personally |
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Identifiable Information) to
remain as secure as possible. We strive to provide secure transmission
of your information from your computer to our servers through
industry-standard techniques. To help ensure the integrity and
privacy of the Personally Identifiable Information you provide
to us via the Internet, at the time you elect to enroll in our
Debt Management Program, we use Secured Socket Layer (SSL) encryption
technology in transmitting such Personally Identifiable Information
over the Internet to our servers. The Personally Identifiable
Information you provide is stored on servers located in controlled,
secure environments, protected from unauthorized access, use,
or alteration. Only employees who need access to your information
to perform a specific task or function are granted access to
such information. No personal data is ever stored on our web
servers. In addition, all of our employees are required to abide
by this Privacy Policy and are kept up-to-date on security practices.
Any employee who violates this Privacy Policy is subject to
disciplinary action, up to and including termination.
Notwithstanding the above commitments to protect your information
(including Personally Identifiable Information) from loss, misuse
or alteration by third parties, you should be aware that there
is always some risk involved in transmitting information over
the Internet. There is also some risk that others could find
a way to thwart our security systems. As a result, while we
strive to protect your information, we cannot guaranty or warrant
the security and privacy of any information you transmit to
us, and YOU DO SO AT YOUR OWN RISK.
While on the DebtGuru.com®/American Credit Foundation® website
you may request consumer information or other services (free
quote, etc.). For us to fulfill your request, you may need to
provide us with your email address, regular mail address, or
telephone number. Our use of that information will be limited
to the purpose of providing the requested information.
If you decide to voluntarily complete our Debt Management Application,
several types of personal information are gathered for use by
our certified credit counselors in your confidential counseling
session. Confidential information collected in the debt management
application process includes name, email address, street address,
telephone number, social security number, employment information,
budget information and creditor information, including account
numbers. The information gathered will be used to determine
an appropriate solution to your financial situation. Specific
uses of this information are: To contact you and to confirm
your identity when you call us, to identify your accounts with
your creditors and/or to contact and negotiate with your creditors.
DebtGuru.com®/American Credit Foundation® does not rent,
loan, trade, sell, or lease any personal information collected
by our organization including Debt Management Applications or
email lists. All personal information is used solely by DebtGuru.com®/American Credit Foundation® as directed by the consumer.
If you contact DebtGuru.com®/American Credit Foundation®
by e-mail, you should be aware that e-mail transmissions may
not be secure. Information you send by e-mail could be viewed
in transit by a third party. debtguru.com will have no liability
for disclosure of your information due to errors or unauthorized
acts of third parties during transmission.
DebtGuru.com®/American Credit Foundation® reserves the right
to change or update this Privacy Policy, or any other DebtGuru.com®/American Credit Foundation® policy or practice, at any time without notice
to any users of the DebtGuru.com®/American Credit Foundation®
Web site. Any changes or updates will be effective immediately
upon posting to the Web sites.
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