The information contained in this privacy statement applies only to this website (“Site’).
Consolidated Credit Solutions (“We”, “Us”, “Our”) respects your right to maintain your privacy. We understand the need for confidentiality when it comes to discussing your financial situation. To give you peace of mind, this privacy statement outlines what information we gather from you, how we use it, and the safeguards put in place to protect it. In addition, we explain the process for sharing your non-public personal information if we intervene with creditors on your behalf as a part of the financial counseling process.
IP Address – Use of Your IP Address
IP addresses are automatically logged in our system. The domain name you are using at the time of entry to the Site is also logged to a file. This information is stored purely as a means of capturing data on Site hits and traffic. This information is not given to any third parties at any time for any reason, and this data is eradicated from our database on a regular basis. IP addresses are not used for any purpose other than those stated above.
Cookies are used as a means of identifying repeat Site visitors. You can choose to “reject” cookies by changing you’re the setup on your web browser. Doing so will not prevent you from visiting or using any portion of this Site.
Our Principles for Privacy Protection
Site registration and use of any online forms requires you to provide us with your contact information (for example, your name, email, or postal address). Due to the nature of this Site, financial information may also be requested. You provide this information on a voluntary basis. We do not share your financial information with any non-affiliated third parties, other than those who help us in providing services to you. These parties are required to maintain your information in the strictest confidence. We will never rent or sell your financial information to any outside marketer. We maintain practices and procedures designed to ensure the security, integrity, and confidentiality of your financial information. We also educate employees about safeguarding client information and preventing unauthorized access, disclosure or use, while limiting employee access so only those employees assisting you can access your information.
Off-Line/Email Data Collection
We collect a limited amount of financial information from consumers on online forms. However, during a credit counseling session which is done through by telephone, face-to-face interviews and e-mail communications, additional information may be requested.
What information do we collect?
Over the course of our assistance to you, we gather what is known as non-public personal information. Non-public personal information may include your name, address, telephone and social security number, as well as your creditors’ names and addresses, the amounts you owe your creditors and their account numbers, credit card account information, and your living expenses. We collect non-public personal information about you from the following sources:
- Information we receive from you on applications or other forms, whether submitted through the Internet or manually, as well as through face-to-face conversations, telephone calls, and e-mail communications. This information may include your name, address, telephone and social security number, as well as your creditors’ names and addresses, the amounts you owe your creditors and their account numbers, credit card account information, and your living expenses.
- We receive information from you on applications and other forms, whether submitted through the Site or gathered manually by an employee through face-to-face conversations, telephone calls, and e-mail communications.
- You may provide us with certain banking information, via the Site, by phone or in person, in order to process ACH payments.
- We retain information about your transactions with us.
- We may also receive information from your creditors.
What information do we disclose?
For certain financial services, such as credit counseling and housing counseling, we may be required to disclose your non-public personal information as we work with various financial institutions and agencies on your behalf. We may disclose the following kinds of non-public personal information about you in the course of providing these services:
- We may have need to disclose information we receive from you on applications or other forms and from other communications with you, such as your name, address, financial account numbers, Social Security number, assets and income.
- We may also disclose information about your transactions with us, such as your account balance, monthly payment obligations, payment history, and method of payment.
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 relevant financial service providers, such as banks, saving and loans companies, credit unions, mortgage lenders, finance companies, and credit card issuers. For the purpose providing you with certain services, we may also disclose your noon-public personal information to one or more service providers or other third parties who assist us in performing such services and to process your requests and payments. Without limiting the foregoing, these third parties may provide us with data management, payment processing, and similar services. Additionally, in the event you fail to complete a program you enroll in, information may be referred to a servicing agent to contact you to offer additional financial services you may want to consider.
How do we protect information?
Only those employees or servicing agents obligated to maintain the confidentiality of your non-public personal information may access it. This includes any service provider who might need to know your non-public personal information in order to provide assistance to you. No other employee, affiliate, or third party may access your information for any other reason.
This Site contains links to other websites. We are not responsible for the privacy practices or content standards of such websites. The content of such websites are unknown and in no event, should you assume we condone, approve of, or recommend the content of any website that is linked from any pages of this Site. Complaints about the content of any site linked from this Site should be directed to the owner of that site.
This Site has security measures put in place to protect the loss, misuse, and alteration of the information under our control. Any information submitted by you on the Site is kept with the strictest confidentiality.
Short Message Service
Consolidated Credit Solutions makes a service available through which you can receive financial advice on your wireless device via short message service (“SMS Service”). Only one message is sent each 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. By choosing to use the SMS Service you represent you are 18 years of age and the owner or authorized user of the wireless device where the messages will be received, and that you are authorized to approve any applicable charges. Your provider’s standard message and data rates may apply to our sign up confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in your receipt of any SMS Service messages, as delivery is subject to effective transmission from your network operator. SMS Services are provided on an AS-IS basis. We may also obtain the date, time and content of your messages over the course of your use of the SMS Service. We will use any information obtained in connection with our SMS Service in accordance with this Privacy Statement. If fees are charged to your wireless account invoice, we may provide your carrier with any applicable information in connection therewith. 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. Your wireless carrier and other service providers may also collect data about your wireless device usage. 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-enabled 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 cannot guarantee 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 wholly responsible for taking necessary precautions best suited for your situation and intended use of the SMS Service to protect your privacy.
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 https://members.consolidatedcreditsolutions.org/.
Third-Party Web Beacons
We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our Site. 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 or want to know your choices for not having this information used by Yahoo! click here.
Third Party Analytics Software
We are use the information collected by the web services software to help analyze where you go and what you do while visiting our Site. We may also use anonymous information about your visits to this and other websites that subscribe to this service, in order to improve the way we offer our products and services.
This Site gives users the options for changing and modifying information previously provided. You can go to https://members.consolidatedcreditsolutions.org to submit your request.
Opt-Out Policy, Your Newsletter and Email Subscriptions
You 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 firstname.lastname@example.org or by replying to an existing email with your request to be removed from the mailing list or click here.
For Questions & Corrections
If you have any question about our privacy statement or practices please contact us at 888-458-9590 or via email at email@example.com. If you want to correct any personal information in our files, please submit a written request to us.
AZ Consolidated Credit Solutions, Inc. Not a loan company.
IN We do not lend money.
Licensed by the Virginia State Corporation Commission- License #DC-8
MI Consolidated Credit Solutions, Inc. 5701 W. Sunrise Blvd. Ft. Lauderdale, FL 33313
VT Licensed by the VT Department of Financial Regulation
Licensed by the Michigan Department of Insurance and Financial Services (Lic. #0018202)
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
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.
(1) When a licensee establishes a debt management plan for a debtor, the licensee may charge and receive an initial fee of $50.00.
(2) A licensee shall attempt to obtain consent to participate in a debt management plan from at least 51%, in number or dollar amount, of the debtor’s creditors within 90 days after establishing the debt management plan. If the required consent is not actually received by the licensee, the licensee shall provide notice to the debtor of the lack of required consent and the debtor may, at its option, close the account. If the debtor decides to close the account, any unexpended funds shall be returned to the debtor or disbursed as directed by the debtor.
451.424 Contract between licensee and debtor; requirements.
(1) A contract between a licensee and debtor shall include all of the following:
(a) Each creditor to which payments will be made and the amount owed each creditor. A licensee may rely on records of the debtor and other information available to it to determine the amount owed to a creditor.
(b) The total amount of the licensee’s charges.
(c) The beginning and termination dates of the contract.
(d) The principal amount and approximate interest charges of the debtor’s obligations to be paid under the debt management plan.
(e) The name and address of the licensee and of the debtor.
(f) Any other provisions or disclosures that the director determines are necessary for the protection of the debtor and the proper conduct of business by a licensee.
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.
(1) In addition to the fee described in section 13(1), a licensee may charge a reasonable fee for providing debt management services under a debt management plan. The fee under this subsection shall not exceed 15% of the amount of the debt to be liquidated during the express term of the plan.
(2) A licensee may offer a debtor the option to purchase credit reports or educational materials and products, and charge a fee to the debtor if the debtor elects to purchase any of those items from the licensee. Fees charged under this subsection are not subject to the 15% limitation on fees described in subsection (1).
(3) Except for a cancellation described in subsection (4), in the event of cancellation of or default in the performance of the contract by the debtor before its successful completion, a licensee may collect $25.00 in addition to any fees and charges of the licensee previously received by the licensee. This $25.00 fee is not subject to the 15% limitation on fees and charges under subsection (1).
(4) A contract is in effect when it is signed by the licensee and the debtor and the debtor has made a payment of any amount to the licensee. The debtor has the right to cancel the contract until 12 midnight of the third business day after the first day the contract is in effect by delivering written notice of cancellation to the licensee. A cancellation described in this section is not subject to, and a licensee shall not collect, the fee described in subsection (3).
(5) If a debtor fails to make a payment of any amount to a licensee within 60 days after the date a payment is due under a contract, the licensee may, in its discretion, cancel the debt management contract if it determines that the plan is no longer suitable for the debtor, the debtor fails to affirmatively communicate to the licensee the debtor’s desire to continue the plan, or the creditors of the debtor refuse to continue accepting payments under the plan.
(6) A licensee shall not contract for, receive, or charge a debtor an amount greater than authorized by this act. A person that violates this subsection, except as the result of an inadvertent clerical or computer error, shall return to the debtor the amount of the payments received from or on behalf of the debtor and not distributed to creditors, and, as a penalty, an amount equal to the amount overcharged.
Oregon Registration Number #DM 80092
Privacy Statement Revisions
Please note we may from time to time, choose to change or modify this privacy statement. These changes and modification are implemented by posting a revised version of this Privacy Statement here. Any such changes shall be effective immediately upon posting of the revised Privacy Statement. The revised Privacy Statement shall be effective for information we already have about you, as well as any information we receive in the future. You should return to this page periodically so you can be aware of any changes to this Privacy Statement and our current privacy practices.
Last revision date: May 12, 2016