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Privacy Statement


Privacy Policy Overview

This Privacy Policy covers the treatment of personal information that is recorded when you register for Debt Consolidation. No other information is collected from visitors to our web site.

Our privacy policy does not apply to the practices of other companies advertised, or otherwise listed, on the DebtConsolidationBadCredit.com web site, nor does it extend to people that DebtConsolidationBadCredit.com does not employ or manage.

 

Information Collection and Use

E-comm Services Group is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your “personal financial information”, such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors and possibly others with your specific authorization. We may also use aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs. Your anonymity will be maintained through the use of your client number or by using aggregate data in all circumstances.

In all other situations, your information may be released to appropriate individuals or agencies only upon yuor written request or when our staff has been served by a valid subpoena.

The following PRIVACY PRACTICES detail circumstances under which we will release your information to a third party:

1. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

2. We may compile data and aggregate information that you give to us, but this information may not be disclosed in a manner that would personally identify you in any way.

3. We may disclose some or all of the information that we collect, as described below, to creditors or third parties that you have authorized who need this information in order for us to assist you after a counseling session.

4. We may disclose all of the information that we collect, as described below, to creditors and related financial institutions who need this information in order to put you on a debt management program.

5. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

6. We collect nonpublic information about you from the following sources:

  • Information we receive from you on our applications or other forms you provide.
  • Information about your transactions with us, your creditors, or others.
  • Information we receive from a credit reporting agency.

7. We may disclose the following kinds of nonpublic information about you:

  • Information we receive from you on applications or other forms such as your name, address, social security number, assets, and income.
  • Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions and credit card usage.
  • Information we receive from a credit report agency, such as your credit history.

 

Cookies

At this time, Cookies are not used on the DebtConsolidationBadCredit site.

 

Changes to this Privacy Policy

DebtConsolidationBadCredit may amend this policy from time to time. If significant changes are made in the way your personal information is used, we will post a prominent announcement on our site notifying you of the change.

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